PCI Security Standards Council

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "PCI Security Standards Council"

Transcription

1 PCI Security Standards Council Jeremy King, European Director 2013

2 Why PCI Matters Applying PCI How You Can Participate Agenda 2

3 Why PCI Matters Applying PCI How You Can Participate Agenda

4 About the PCI Council Open, global forum Founded 2006 Guiding open standards for payment card security Development Management Education Awareness

5 PCI: Architecture for Payment Card Security 5 major card brands drive efforts for payment card security PCI Security Standards Council manages the technical standards and process

6 Community Over 650 Participating Organisations

7 Your Card Data is a Gold Mine for Criminals Types of Data on a Payment Card CID (American Express) CAV2/CID/CVC2/CW2 (Discover, JCB, MasterCard, Visa) Chip Pan Cardholder Data Expiration Date Magnetic Strip (data on tracks 1 & 2)

8 PCI Security Standards Suite Protection of Cardholder Payment Data Manufacturers PCI PTS Pin Entry Devices Software Developers PCI PA-DSS Payment Applications Merchants & Service Providers PCI DSS Secure Environments PCI Security & Compliance P2PE Ecosystem of payment devices, applications, infrastructure and users

9 EMV Helps Reduce Face-to-Face Fraud + - Countries that have implemented EMV have reported a decrease in card fraud. According to the UK Cards Association, Fraud on lost and stolen cards is now at its lowest level for two decades and counterfeit card fraud losses have also fallen and are at their lowest level since 1999.* *Smart Card Alliance EMV FAQ EMV by itself does not protect the confidentiality of, or inappropriate access to sensitive authentication data and/or cardholder data in card-not-present or Internet transactions

10 EMV Needs PCI for Full Protection!

11 Business Sectors With the Most Breaches High Technology 2% Health & Beauty 2% Nonprofit 3% Financial Services 7% Hospitality 9% Other 8% Retail 45% Systems that store, process or transmit cardholder data remain primary targets for criminals Food & Beverage 24%

12 Organisations Ignored PCI and Were Breached 96% of those breached were not PCI compliant as of their last assessment (or were never assessed/validated) Top attack methods used to breach organizations: 81% of incidents involved hacking 69% incorporated malware 10% involved physical attack 12

13 Top Mistakes By Those Breached Revealed by Forensic Audits Weak Passwords Lack of employee education Security deficiencies introduced by third parties responsible for system support, development and/or maintenance Slow self-detection

14 Why? Why we fail to maintain secure environments Lack of awareness by IT practitioners Incentive to keep security a primary focus Quickly evolving technology landscape Rapid development and distribution of new solutions Still unnecessary exposure of CHD

15 PCI Standards Help Secure Your Data 92% of compromises were simple 97% were avoidable through simple or intermediate controls 92% 97% Source: Verizon 2012 Data Breach Investigations Report

16 The PCI Data Security Standard Six Goals Build and Maintain a Secure Network Protect Cardholder Data Maintain a Vulnerability Management Program Implement Strong Access Control Measures Regularly Monitor and Test Networks Maintain an Information Security Policy Twelve Requirements 1. Install and maintain a firewall configuration to protect cardholder data 2. Do not use vendor-supplied defaults for system passwords and other security parameters 3. Protect stored cardholder data 4. Encrypt transmission of cardholder data across open, public networks 5. Use and regularly update anti-virus software or programs 6. Develop and maintain secure systems and applications 7. Restrict access to cardholder data by business need-to-know 8. Assign a unique ID to each person with computer access 9. Restrict physical access to cardholder data 10. Track and monitor all access to network resources and cardholder data 11. Regularly test security systems and processes 12. Maintain a policy that addresses information security for employees and contractors

17 PCI Standards for Applications & Devices PIN Transaction Security (PTS) Addresses characteristics & management of devices for processing payment cards PTS is followed by device manufacturers Merchants must use validated PTS devices Payment Application Security Data Security Standard (PA-DSS) Addresses applications for payment, authorisation and settlement PA-DSS is followed by software developers Merchants must use validated payment applications Manufacturers PCI PTS Pin Entry Devices Software Developers PCI PA-DSS Payment Applications Merchants & Service Providers PCI DSS Secure Environments

18 Getting Ready for PCI Focus: Updating PCI Standards and supporting documents based on Community feedback

19 The Bottom Line + + = People Processes Technology Security Compliance Doesn t Equal Security

20 Why PCI Matters Applying PCI How You Can Participate Applying PCI 20

21 Applying PCI in Your Environment Mobile P2PE Virtualisation ATM Tokenisation Cloud EMV

22 EMV Helps Reduce Face-to-Face Fraud EMV by itself does not protect the confidentiality of, or inappropriate access to sensitive authentication data and/or cardholder data in card-not-present or Internet transactions

23 Even EMV Security Needs PCI

24 Mobile Payment Acceptance retail $19 payment accepted Thank You!

25 Areas of Focus for Mobile MOBILE Devices Tamper-responsive, PTS Devices (e.g. SCR) using P2PE Applications Requirements and/or Best Practices for authorisation and settlement Service Providers Service provider protection of cardholder data and validation

26 Mobile payments and the PCI Council Identified mobile applications that can be validated to PA-DSS Published merchant guidance for mobile solutions leveraging P2PE Developed best practices for developers Next steps explored by PCI SSC

27 Guidance on Mobile Payment Acceptance Security

28 New Mobile Guidance for Merchants Guidance for merchants on the factors and risks that need to be addressed in order to protect card data when using mobile devices, such as smart phones and tablets, to accept payments, including: Objectives and guidance for the security of a payment transaction Guidelines for securing the mobile device Guidelines for securing the payment acceptance solution

29 Point-to-Point Encryption Point-to-Point Encryption Available to all members of the payment chain Also called P2PE Optional standard for decreasing scope PCI 2PE hardware /hardware requirements available PCI P2PE Hybrid requirements available

30 Tokenisation Work on tokenization standards has begun PAN Ensure that process of creating token from PAN doesn t leak information about PAN Ensure that a token or collection of tokens by themselves cannot feasibly allow discovery of PAN Ensure that adequate controls exist over detokenisation process T Token Ensure that token cannot be used in lieu of PAN for impermissible purposes

31 2013 Training Highlights Online Internal Security Assessor (ISA) Training P2PE Assessor Training Corporate PCI Awareness Let Us Come To You! Online Awareness Training in Four Hours Qualified Integrators and Resellers (QIR) Program PCI Professional Program (PCIP) To learn more, visit: training/index.php

32

33 QIR Addresses Common Misconceptions I m using a PA-DSS validated application, so I must be OK. I m using a reputable 3 rd party, so they must be doing a secure installation. This applies only to brick and mortar establishments.

34 Payment Card Industry Professional (PCIP) Support your organisation Professional credibility Competitive advantage Global directory Now Available

35 Internal Security Assessor (ISA) Program A comprehensive PCI DSS training and qualification program for eligible internal audit security professionals that you asked for! Improves your understanding of PCI DSS and compliance procedures Helps your organisation build internal expertise Teaches processes that can reduce the cost of compliance

36 PCI Awareness Training Team Building Convenience Cost We come to you!

37 Multilingual Resources on the PCI Website French Spanish Japanese German Italian Portuguese Chinese

38 Resources for Small Business Owners View at:

39 Why PCI Matters Applying PCI How You Can Participate How You Can Participate 39

40 Be Involved Contribute Your Expertise! Chief Security Officers IT Managers Information Security Professionals Risk Managers Compliance Officers Join! Become a Participating Organisation today Chief Information Officers Forensic Investigators Legal Experts Technologists Data Security Experts

41 Help Participate in Standards Development Implementation Feedback Formal Feedback Draft Revisions Feedback

42 PCI SSC Special Interest Groups (SIG) Risk Assessment ecommerce Cloud Best Practices for Maintaining PCI Compliance Third Party Security Assurance

43 Products of SIG Collaboration

44 New SIG Guidance PCI DSS Risk Assessment Risk Assessment Guidance for choosing the risk assessment approach that works best for your business to secure your card data Go to our website today to download these new guidelines!

45 New SIG Guidance ecommerce ecommerce Guidance on the use of e- commerce technologies in accordance with the PCI DSS Go to our website today to download these new guidelines!

46 New SIG Guidance Cloud Cloud Guidance on the use of cloud technologies and considerations for maintaining PCI DSS controls in cloud environment Go to our website today to download these new guidelines!

47 2013 Special Interest Groups- Join us! Best Practices for Maintaining PCI Compliance Third Party Security Assurance Visit PCI SSC website to sign up

48 Board of Advisor Nominations and Elections January Nominations Open 25 February Nominations Close 7 March Voting Commences Join as a Participating Organisation by going to And play a role in electing the next Board of Advisors

49

50 Get Involved We Need Your Input Join Learn Input Network Nominate Vote Share Influence

51 The Formula for PCI Success People + Processes + Technology = Security

52 Summary: Why PCI Matters to You! Community Guidance Vigilance Training Engagement

53 Questions? Please visit our website at

PCI Security Standards Council

PCI Security Standards Council PCI Security Standards Council Bob Russo, General Manager 2013 Why PCI Matters Applying PCI How You Can Participate Agenda About the PCI Council Open, global forum Founded 2006 Guiding open standards for

More information

Mobile Payment Security

Mobile Payment Security Mobile Payment Security Gill Woodcock 2014 About the PCI Council Founded in 2006 - Guiding open standards for payment card security Development Management Education Awareness PCI Security Standards Suite

More information

What You Need to Know About PCI SSC. 2014 Guiding open standards for global payment card security

What You Need to Know About PCI SSC. 2014 Guiding open standards for global payment card security What You Need to Know About PCI SSC 2014 About the PCI Council Founded in 2006 - Guiding open standards for payment card security Development Management Education Awareness Expanding Global Representation

More information

MasterCard PCI & Site Data Protection (SDP) Program Update. Academy of Risk Management Innovate. Collaborate. Educate.

MasterCard PCI & Site Data Protection (SDP) Program Update. Academy of Risk Management Innovate. Collaborate. Educate. MasterCard PCI & Site Data Protection (SDP) Program Update Academy of Risk Management Innovate. Collaborate. Educate. The Payment Card Industry Security Standards Council (PCI SSC) Open, Global Forum Founded

More information

Credit Card Processing Overview

Credit Card Processing Overview CardControl 3.0 Credit Card Processing Overview Overview Credit card processing is a very complex and important system for anyone that sells goods. This guide will hopefully help educate and inform new

More information

Data Security Basics for Small Merchants

Data Security Basics for Small Merchants Data Security Basics for Small Merchants 28 October 2015 Stan Hui Director, Merchant Risk Lester Chan Director, Merchant Risk Disclaimer The information or recommendations contained herein are provided

More information

CardControl. Credit Card Processing 101. Overview. Contents

CardControl. Credit Card Processing 101. Overview. Contents CardControl Credit Card Processing 101 Overview Credit card processing is a very complex and important system for anyone that sells goods. This guide will hopefully help educate and inform new and old

More information

PCI Compliance Overview

PCI Compliance Overview PCI Compliance Overview 1 PCI DSS Payment Card Industry Data Security Standard Standard that is applied to: Merchants Service Providers (Banks, Third party vendors, gateways) Systems (Hardware, software)

More information

PCI Security as a Lifecycle: How to Plan for PCI in 2012 and Beyond

PCI Security as a Lifecycle: How to Plan for PCI in 2012 and Beyond PCI Security as a Lifecycle: How to Plan for PCI in 2012 and Beyond Bob Russo PCI SECURITY STANDARDS COUNCIL Session ID: GRC-204 Session Classification: Intermediate About the Council Open, global forum

More information

Need to be PCI DSS compliant and reduce the risk of fraud?

Need to be PCI DSS compliant and reduce the risk of fraud? Need to be PCI DSS compliant and reduce the risk of fraud? NCR Security lessens your PCI compliance burden and protects the integrity of your network An NCR White Paper Experience a new world of interaction

More information

Payment Card Industry Data Security Standards

Payment Card Industry Data Security Standards Payment Card Industry Data Security Standards Discussion Objectives Agenda Introduction PCI Overview and History The Protiviti Difference Questions and Discussion 2 2014 Protiviti Inc. CONFIDENTIAL: This

More information

LESS IS MORE PCI DSS SCOPING DEMYSTIFIED

LESS IS MORE PCI DSS SCOPING DEMYSTIFIED LESS IS MORE PCI DSS SCOPING DEMYSTIFIED Lauren Holloway PCI Security Standards Council Emma Sutcliffe PCI Security Standards Council Session ID: Session Classification: DSP-W21 Intermediate Who s Here

More information

Payment Card Industry Data Security Standards.

Payment Card Industry Data Security Standards. Payment Card Industry Data Security Standards. Your guide to protecting cardholder data Helping you manage the risk. Credit Card fraud and data compromises are an increasingly serious problem, costing

More information

An article on PCI Compliance for the Not-For-Profit Sector

An article on PCI Compliance for the Not-For-Profit Sector Level 8, 66 King Street Sydney NSW 2000 Australia Telephone +61 2 9290 4444 or 1300 922 923 An article on PCI Compliance for the Not-For-Profit Sector Page No.1 PCI Compliance for the Not-For-Profit Sector

More information

Puzzled about PCI compliance? Proactive ways to navigate through the standard for compliance

Puzzled about PCI compliance? Proactive ways to navigate through the standard for compliance Puzzled about PCI compliance? Proactive ways to navigate through the standard for compliance March 29, 2012 1:00 p.m. ET If you experience any technical difficulties, please contact 888.228.0988 or support@learnlive.com

More information

PCI DSS Compliance Services January 2016

PCI DSS Compliance Services January 2016 PCI DSS Compliance Services January 2016 20160104-Galitt-PCI DSS Compliance Services.pptx Agenda 1. Introduction 2. Overview of the PCI DSS standard 3. PCI DSS compliance approach Copyright Galitt 2 Introduction

More information

Are You Ready For PCI v 3.0. Speaker: Corbin DelCarlo Institution: McGladrey LLP Date: October 6, 2014

Are You Ready For PCI v 3.0. Speaker: Corbin DelCarlo Institution: McGladrey LLP Date: October 6, 2014 Are You Ready For PCI v 3.0 Speaker: Corbin DelCarlo Institution: McGladrey LLP Date: October 6, 2014 Today s Presenter Corbin Del Carlo QSA, PA QSA Director, National Leader PCI Services Practice 847.413.6319

More information

Cyber - Security and Investigations. Ingrid Beierly August 18, 2008

Cyber - Security and Investigations. Ingrid Beierly August 18, 2008 Cyber - Security and Investigations Ingrid Beierly August 18, 2008 Agenda Visa Cyber - Security and Investigations Today s Targets Recent Attack Patterns Hacking Statistics (removed) Top Merchant Vulnerabilities

More information

Payment Card Industry Security Standards PCI DSS, PCI-PTS and PA-DSS

Payment Card Industry Security Standards PCI DSS, PCI-PTS and PA-DSS The PCI Security Standards Council http://www.pcisecuritystandards.org The OWASP Foundation http://www.owasp.org Payment Card Industry Security Standards PCI DSS, PCI-PTS and PA-DSS Omar F. Khandaker,

More information

PCI DSS Payment Card Industry Data Security Standard. Merchant compliance guidelines for level 4 merchants

PCI DSS Payment Card Industry Data Security Standard. Merchant compliance guidelines for level 4 merchants Appendix 2 PCI DSS Payment Card Industry Data Security Standard Merchant compliance guidelines for level 4 merchants CONTENTS 1. What is PCI DSS? 2. Why become compliant? 3. What are the requirements?

More information

Payment Card Industry Data Security Standards

Payment Card Industry Data Security Standards Payment Card Industry Data Security Standards The payment card industry data security standard PCI DSS Visa and MasterCard have developed the Payment Card Industry Data Security Standard or PCI DSS as

More information

PCI Compliance and the Data Security Standards. A x i a. For more information visit www.axiapayments.com/pci. Your partner in payment services

PCI Compliance and the Data Security Standards. A x i a. For more information visit www.axiapayments.com/pci. Your partner in payment services PCI Compliance and the Data Security Standards Introduction The PCI DSS, a set of comprehensive requirements for enhancing payment account data security, was developed by the founding payment brands of

More information

AIS Webinar. Payment Application Security. Hap Huynh Business Leader Visa Inc. 1 April 2009

AIS Webinar. Payment Application Security. Hap Huynh Business Leader Visa Inc. 1 April 2009 AIS Webinar Payment Application Security Hap Huynh Business Leader Visa Inc. 1 April 2009 1 Agenda Security Environment Payment Application Security Overview Questions and Comments Payment Application

More information

PCI Compliance 2012 - The Road Ahead. October 2012 Hari Shah & Parthiv Sheth

PCI Compliance 2012 - The Road Ahead. October 2012 Hari Shah & Parthiv Sheth PCI Compliance 2012 - The Road Ahead October 2012 Hari Shah & Parthiv Sheth What s the latest? Point-to-Point Encryption (P2PE) Program Guide Updated Solution Requirements and Testing Procedures for hardware-based

More information

Project Title slide Project: PCI. Are You At Risk?

Project Title slide Project: PCI. Are You At Risk? Blank slide Project Title slide Project: PCI Are You At Risk? Agenda Are You At Risk? Video What is the PCI SSC? Agenda What are the requirements of the PCI DSS? What Steps Can You Take? Available Services

More information

Statement of Stephen W. Orfei General Manager PCI Security Standards Council

Statement of Stephen W. Orfei General Manager PCI Security Standards Council Statement of Stephen W. Orfei General Manager PCI Security Standards Council Before the Committee on Financial Services, United States House of Representatives Protecting Consumers: Financial Data Security

More information

Visa Account Information Security Tool Kit. Welcome to the Visa Account Information Security Program

Visa Account Information Security Tool Kit. Welcome to the Visa Account Information Security Program Visa Account Information Security Tool Kit Welcome to the Visa Account Information Security Program 2 Contents 1. Securing cardholder data is everyone s concern 4 2. Visa Account Information Security (AIS)

More information

worldpay.com Understanding the 12 requirements of PCI DSS SaferPayments Be smart. Be compliant. Be protected.

worldpay.com Understanding the 12 requirements of PCI DSS SaferPayments Be smart. Be compliant. Be protected. worldpay.com Understanding the 12 requirements of PCI DSS SaferPayments Be smart. Be compliant. Be protected. The 12 requirements of the Payment Card Industry Data Security Standard (PCI DSS) by type Build

More information

Credit Card Processing, Point of Sale, ecommerce

Credit Card Processing, Point of Sale, ecommerce Credit Card Processing, Point of Sale, ecommerce Compliance, Self Auditing, and More John Benson Kurt Willey HACKS REGULATIONS Greater Risk for Merchants Topics Compliance Changes Scans Self Audits

More information

Payment Card Industry Data Security Standard Training. Chris Harper Vice President of Technical Services Secure Enterprise Computing, Inc.

Payment Card Industry Data Security Standard Training. Chris Harper Vice President of Technical Services Secure Enterprise Computing, Inc. Payment Card Industry Data Security Standard Training Chris Harper Vice President of Technical Services Secure Enterprise Computing, Inc. March 27, 2012 Agenda Check-In 9:00-9:30 PCI Intro and History

More information

Account Information Security. Merchant Guide

Account Information Security. Merchant Guide Account Information Security Merchant Guide At Visa, protecting our cardholders is at the core of everything we do. One of the many reasons people trust our brand is that we make buying and selling safer

More information

PCI DSS FAQ. The twelve requirements of the PCI DSS are defined as follows:

PCI DSS FAQ. The twelve requirements of the PCI DSS are defined as follows: What is PCI DSS? PCI DSS is an acronym for Payment Card Industry Data Security Standards. PCI DSS is a global initiative intent on securing credit and banking transactions by merchants & service providers

More information

Worldpay s guide to the Payment Card Industry Data Security Standard (PCI DSS)

Worldpay s guide to the Payment Card Industry Data Security Standard (PCI DSS) Worldpay s guide to the Payment Card Industry Data Security Standard (PCI DSS) What is PCI DSS? The 12 Requirements Becoming compliant with SaferPayments Understanding the jargon SaferPayments Be smart.

More information

Why Is Compliance with PCI DSS Important?

Why Is Compliance with PCI DSS Important? Why Is Compliance with PCI DSS Important? The members of PCI Security Standards Council (American Express, Discover, JCB, MasterCard, and Visa) continually monitor cases of account data compromise. These

More information

PCI Compliance : What does this mean for the Australian Market Place? Nov 2007

PCI Compliance : What does this mean for the Australian Market Place? Nov 2007 Sense of Security Pty Ltd (ABN 14 098 237 908) 306, 66 King St Sydney NSW 2000 Australia Tel: +61 (0)2 9290 4444 Fax: +61 (0)2 9290 4455 info@senseofsecurity.com.au PCI Compliance : What does this mean

More information

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire Instructions and Guidelines Version 3.2 May 2016 Document Changes Date Version Description October 1, 2008 1.2 October 28,

More information

Josiah Wilkinson Internal Security Assessor. Nationwide

Josiah Wilkinson Internal Security Assessor. Nationwide Josiah Wilkinson Internal Security Assessor Nationwide Payment Card Industry Overview PCI Governance/Enforcement Agenda PCI Data Security Standard Penalties for Non-Compliance Keys to Compliance Challenges

More information

PLACE GROUP UK LONDON STUDENT HOUSING GROUP PAYMENT CARD INDUSTRY DATA SECURITY STANDARD COMPLIANCE STATEMENT PCI DSS (09) VERSION: 2009PCIDSSP4S01

PLACE GROUP UK LONDON STUDENT HOUSING GROUP PAYMENT CARD INDUSTRY DATA SECURITY STANDARD COMPLIANCE STATEMENT PCI DSS (09) VERSION: 2009PCIDSSP4S01 PLACE GROUP UK LONDON STUDENT HOUSING GROUP PAYMENT CARD INDUSTRY DATA SECURITY STANDARD COMPLIANCE STATEMENT PCI DSS (09) VERSION: 2009PCIDSSP4S01 Information updated: 21 October 2012 SAFEGUARDING CARDHOLDER

More information

Encryption and Tokenization: Protecting Customer Data. Your Payments Universally Amplified. Tia D. Ilori Sue Zloth September 18, 2013

Encryption and Tokenization: Protecting Customer Data. Your Payments Universally Amplified. Tia D. Ilori Sue Zloth September 18, 2013 Encryption and Tokenization: Protecting Customer Data Your Payments Universally Amplified Tia D. Ilori Sue Zloth September 18, 2013 Agenda Global Threat Landscape Real Cost of a Data Breach Evolution of

More information

What s New in PCI DSS 2.0. 2010 Cisco and/or its affiliates. All rights reserved. Cisco Systems, Inc 1

What s New in PCI DSS 2.0. 2010 Cisco and/or its affiliates. All rights reserved. Cisco Systems, Inc 1 What s New in PCI DSS 2.0 2010 Cisco and/or its affiliates. All rights reserved. Cisco Systems, Inc 1 Agenda PCI Overview PCI 2.0 Changes PCI Advanced Technology Update PCI Solutions 2010 Cisco and/or

More information

Tokenization Amplified XiIntercept. The ultimate PCI DSS cost & scope reduction mechanism

Tokenization Amplified XiIntercept. The ultimate PCI DSS cost & scope reduction mechanism Tokenization Amplified XiIntercept The ultimate PCI DSS cost & scope reduction mechanism Paymetric White Paper Tokenization Amplified XiIntercept 2 Table of Contents Executive Summary 3 PCI DSS 3 The PCI

More information

The PCI Security Standards Council. Jeremy King European Director

The PCI Security Standards Council. Jeremy King European Director The PCI Security Standards Council Jeremy King European Director Agenda How can you defend your card data? What is the Council doing to help you? What tools are available to get you secure? How can you

More information

Becoming PCI Compliant

Becoming PCI Compliant Becoming PCI Compliant Jason Brown - brownj52@michigan.gov Enterprise Security Architect Enterprise Architecture Department of Technology, Management and Budget State of Michigan @jasonbrown17 History

More information

PCI-DSS: A Step-by-Step Payment Card Security Approach. Amy Mushahwar & Mason Weisz

PCI-DSS: A Step-by-Step Payment Card Security Approach. Amy Mushahwar & Mason Weisz PCI-DSS: A Step-by-Step Payment Card Security Approach Amy Mushahwar & Mason Weisz The PCI-DSS in a Nutshell It mandates security processes for handling, processing, storing and transmitting payment card

More information

So you want to take Credit Cards!

So you want to take Credit Cards! So you want to take Credit Cards! Payment Card Industry - Data Security Standard: (PCI-DSS) Doug Cox GSEC, CPTE, PCI/ISA, MBA dcox@umich.edu Data Security Analyst University of Michigan PCI in Higher Ed

More information

PCI DSS Overview. By Kishor Vaswani CEO, ControlCase

PCI DSS Overview. By Kishor Vaswani CEO, ControlCase PCI DSS Overview By Kishor Vaswani CEO, ControlCase Agenda About PCI DSS PCI DSS Applicability to Banks, Merchants and Service Providers PCI DSS Technical Requirements Overview of PCI DSS 3.0 Changes Key

More information

PCI PA-DSS Requirements. For hardware vendors

PCI PA-DSS Requirements. For hardware vendors PCI PA-DSS Requirements For hardware vendors PCI security services UL's streamlined PCI PA-DSS certification services get your product to market faster. UL is world leader in advancing safety. Through

More information

Varonis Systems & The Payment Card Industry Data Security Standard (PCI DSS)

Varonis Systems & The Payment Card Industry Data Security Standard (PCI DSS) CONTENTS OF THIS WHITE PAPER Overview... 1 Background... 1 Who Needs To Comply... 1 What Is Considered Sensitive Data... 2 What Are the Costs/Risks of Non-Compliance... 2 How Varonis Helps With PCI Compliance...

More information

Don Roeber Vice President, PCI Compliance Manager. Lisa Tedeschi Assistant Vice President, Compliance Officer

Don Roeber Vice President, PCI Compliance Manager. Lisa Tedeschi Assistant Vice President, Compliance Officer Complying with the PCI DSS All the Moving Parts Don Roeber Vice President, PCI Compliance Manager Lisa Tedeschi Assistant Vice President, Compliance Officer Types of Risk Operational Risk Normal fraud

More information

The 12 Essentials of PCI Compliance How it Differs from HIPPA Compliance Understand & Implement Effective PCI Data Security Standard Compliance

The 12 Essentials of PCI Compliance How it Differs from HIPPA Compliance Understand & Implement Effective PCI Data Security Standard Compliance Date: 07/19/2011 The 12 Essentials of PCI Compliance How it Differs from HIPPA Compliance Understand & Implement Effective PCI Data Security Standard Compliance PCI and HIPAA Compliance Defined Understand

More information

Payment Card Industry (PCI) Data Security Standard

Payment Card Industry (PCI) Data Security Standard Payment Card Industry (PCI) Data Standard Attestation of Compliance for Self-Assessment Questionnaire D Service Providers Version 3.1 April 2015 Section 1: Assessment Information Instructions for Submission

More information

Payment Card Industry (PCI) Data Security Standard

Payment Card Industry (PCI) Data Security Standard Payment Card Industry (PCI) Data Security Standard Attestation of Compliance for Self-Assessment Questionnaire D Service Providers For use with PCI DSS Version 3.1 Revision 1.1 July 2015 Section 1: Assessment

More information

TNHFMA 2011 Fall Institute October 12, 2011 TAKING OUR CUSTOMERS BUSINESS FORWARD. The Cost of Payment Card Data Theft and Your Business

TNHFMA 2011 Fall Institute October 12, 2011 TAKING OUR CUSTOMERS BUSINESS FORWARD. The Cost of Payment Card Data Theft and Your Business TAKING OUR CUSTOMERS BUSINESS FORWARD The Cost of Payment Card Data Theft and Your Business Aaron Lego Director of Business Development Presentation Agenda Items we will cover: 1. Background on Payment

More information

PAYMENT CARD INDUSTRY (PCI) SECURITY STANDARDS COUNCIL

PAYMENT CARD INDUSTRY (PCI) SECURITY STANDARDS COUNCIL PAYMENT CARD INDUSTRY (PCI) SECURITY STANDARDS COUNCIL Session 1 Payment Card Industry (PCI) Security Standards Slide 1 Top 3 Largest Security Incidents Reported Worldwide = CREDIT CARDS Related *Source:

More information

PC-DSS Compliance Strategies. 2011 NDUS CIO Retreat July 27, 2011 Theresa Semmens, CISA

PC-DSS Compliance Strategies. 2011 NDUS CIO Retreat July 27, 2011 Theresa Semmens, CISA PC-DSS Compliance Strategies 2011 NDUS CIO Retreat July 27, 2011 Theresa Semmens, CISA True or False Now that my institution has outsourced credit card processing, I don t have to worry about compliance?

More information

PCI DSS. CollectorSolutions, Incorporated

PCI DSS. CollectorSolutions, Incorporated PCI DSS Robert Cothran President CollectorSolutions www.collectorsolutions.com CollectorSolutions, Incorporated Founded as Florida C corporation in 1999 Approximately 235 clients in 35 states Targeted

More information

Information Sheet. PCI DSS Overview

Information Sheet. PCI DSS Overview The payment card industry (PCI) protects cardholder data through technical and operations standard set by its Council. Compliance with PCI standards is mandatory. It is enforced by the major payment card

More information

White Paper September 2013 By Peer1 and CompliancePoint www.peer1.com. PCI DSS Compliance Clarity Out of Complexity

White Paper September 2013 By Peer1 and CompliancePoint www.peer1.com. PCI DSS Compliance Clarity Out of Complexity White Paper September 2013 By Peer1 and CompliancePoint www.peer1.com PCI DSS Compliance Clarity Out of Complexity Table of Contents Introduction 1 Businesses are losing customer data 1 Customers are learning

More information

PCI DSS Compliance. 2015 Information Pack for Merchants

PCI DSS Compliance. 2015 Information Pack for Merchants PCI DSS Compliance 2015 Information Pack for Merchants This pack contains general information regarding PCI DSS compliance and does not take into account your business' particular requirements. ANZ recommends

More information

PCI Compliance: How to ensure customer cardholder data is handled with care

PCI Compliance: How to ensure customer cardholder data is handled with care PCI Compliance: How to ensure customer cardholder data is handled with care Choosing a safe payment process for your business Contents Contents 2 Executive Summary 3 PCI compliance and accreditation 4

More information

PCI DSS 101 FOR CTOs AND BUSINESS EXECUTIVES

PCI DSS 101 FOR CTOs AND BUSINESS EXECUTIVES PCI DSS 101 FOR CTOs AND BUSINESS EXECUTIVES CUTTING THROUGH THE COMPLEXITY AND CONFUSION Over the years, South African retailers have come under increased pressure to gain PCI DSS (Payment Card Industry

More information

The Cost of Payment Card Data Theft and Your Business. Aaron Lego Director of Business Development

The Cost of Payment Card Data Theft and Your Business. Aaron Lego Director of Business Development The Cost of Payment Card Data Theft and Your Business Aaron Lego Director of Business Development Presentation Agenda Items we will cover: 1. Background on Payment Card Industry Data Security Standards

More information

PCI Data Security Standards. Presented by Pat Bergamo for the NJTC February 6, 2014

PCI Data Security Standards. Presented by Pat Bergamo for the NJTC February 6, 2014 PCI Data Security Standards Presented by Pat Bergamo for the NJTC February 6, 2014 Introduction 3/3/2014 2 Your Speaker Patrick Bergamo, CISSP Director of Information Security & Delivery Delta Corporate

More information

Healthcare Payment Security Is Your Patient s Card Data Exposed? May 24, 2016

Healthcare Payment Security Is Your Patient s Card Data Exposed? May 24, 2016 Healthcare Payment Security Is Your Patient s Card Data Exposed? May 24, 2016 PRESENTER BIOS Michael Fidler Vice President Elavon Healthcare Payment Solutions Michael D. Fidler is Vice President, Healthcare

More information

Payment Card Industry Data Security Standard PCI DSS

Payment Card Industry Data Security Standard PCI DSS Payment Card Industry Data Security Standard PCI DSS What is PCI DSS? Requirements developed by the five card brands: VISA, Mastercard, AMEX, JCB and Discover. Their aim was to put together a common set

More information

And Take a Step on the IG Career Path

And Take a Step on the IG Career Path How to Develop a PCI Compliance Program And Take a Step on the IG Career Path Andrew Altepeter Any organization that processes customer payment cards must comply with the Payment Card Industry s Data Security

More information

Payment Card Industry Data Security Standards Compliance

Payment Card Industry Data Security Standards Compliance Payment Card Industry Data Security Standards Compliance Please turn off, or to vibrate, all cell-phones/electronics Expected course length: 1 Hour Questions are welcomed. Who Created It? & What Is It?

More information

Adyen PCI DSS 3.0 Compliance Guide

Adyen PCI DSS 3.0 Compliance Guide Adyen PCI DSS 3.0 Compliance Guide February 2015 Page 1 2015 Adyen BV www.adyen.com Disclaimer: This document is for guidance purposes only. Adyen does not accept responsibility for any inaccuracies. Merchants

More information

Save Money on Credit Card Processing. So how do you save money on credit card processing? It is a very simple process.

Save Money on Credit Card Processing. So how do you save money on credit card processing? It is a very simple process. My main responsibility as a Regional Account Manager for IMD is obtain the absolute lowest possible merchant fees for you as a business. Why? The more customers we can save money, the more volume of business

More information

Achieving Compliance with the PCI Data Security Standard

Achieving Compliance with the PCI Data Security Standard Achieving Compliance with the PCI Data Security Standard June 2006 By Alex Woda, MBA, CISA, QDSP, QPASP This article describes the history of the Payment Card Industry (PCI) data security standards (DSS),

More information

IS YOUR CUSTOMERS PAYMENT DATA REALLY THAT SAFE? A Chase Paymentech Paper

IS YOUR CUSTOMERS PAYMENT DATA REALLY THAT SAFE? A Chase Paymentech Paper IS YOUR CUSTOMERS PAYMENT DATA REALLY THAT SAFE? A Chase Paymentech Paper A data breach has the potential to cost retailers millions in lost customers and sales. In this paper we discuss a number of possible

More information

Security. Tiffany Trent-Abram VP, Global Product Management. November 6 th, 2015. One Connection - A World of Opportunities

Security. Tiffany Trent-Abram VP, Global Product Management. November 6 th, 2015. One Connection - A World of Opportunities One Connection - A World of Opportunities Security Tiffany Trent-Abram VP, Global Product Management November 6 th, 2015 2015 TNS Inc. All Rights Reserved. Bringing Global Credibility and History TNS Specializes

More information

SellWise User Group. Thursday, February 19, 2015

SellWise User Group. Thursday, February 19, 2015 SellWise User Group Thursday, February 19, 2015 Slides and recording posted on scouting.org/financeimpact Look on the Council Fiscal Management Tab, then look at the bottom left for Sellwise Support/User

More information

Compliance Management

Compliance Management Compliance Management Merchant Guide 2012 Stay Clear Of Fraud Are You Concerned About Data Security Risks? Security is a duty. Companies should remember that they are being trusted by consumers with their

More information

Key Steps to Meeting PCI DSS 2.0 Requirements Using Sensitive Data Discovery and Masking

Key Steps to Meeting PCI DSS 2.0 Requirements Using Sensitive Data Discovery and Masking Key Steps to Meeting PCI DSS 2.0 Requirements Using Sensitive Data Discovery and Masking SUMMARY The Payment Card Industry Data Security Standard (PCI DSS) defines 12 high-level security requirements directed

More information

PCI Security Compliance

PCI Security Compliance E N T E R P R I S E Enterprise Security Solutions PCI Security Compliance : What PCI security means for your business The Facts Comodo HackerGuardian TM PCI and the Online Merchant Overview The Payment

More information

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire

Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire Payment Card Industry (PCI) Data Security Standard Self-Assessment Questionnaire Instructions and Guidelines Version 2.0 October 2010 Document Changes Date Version Description October 1, 2008 1.2 October

More information

2015 PCI DSS Meeting. OSU Business Affairs Projects, Improvement, and Technology (PIT) Robin Whitlock

2015 PCI DSS Meeting. OSU Business Affairs Projects, Improvement, and Technology (PIT) Robin Whitlock 2015 PCI DSS Meeting OSU Business Affairs Projects, Improvement, and Technology (PIT) Robin Whitlock 11/3/2015 Today s Presentation What do you need to do? What is PCI DSS? Why PCI DSS? Who Needs to Comply

More information

Your guide to the Payment Card Industry Data Security Standard (PCI DSS) Merchant Business Solutions. Version 5.0 (April 2011)

Your guide to the Payment Card Industry Data Security Standard (PCI DSS) Merchant Business Solutions. Version 5.0 (April 2011) Your guide to the Payment Card Industry Data Security Standard (PCI DSS) Merchant Business Solutions Version 5.0 (April 2011) Contents Contents...2 Introduction...3 What are the 12 key requirements of

More information

Payment Card Industry Compliance Overview

Payment Card Industry Compliance Overview January 31, 2014 11:30am 12:30pm Central Hosted by: Texas.gov Presented by: Jayne Holland Barbara Brinson Payment Card Industry Compliance Overview Securing Government Payments Audio Dial In: 866-740-1260

More information

PCI Risks and Compliance Considerations

PCI Risks and Compliance Considerations PCI Risks and Compliance Considerations July 21, 2015 Stephen Ramminger, Senior Business Operations Manager, ControlScan Jon Uyterlinde, Product Manager, Merchant Services, SVB Agenda 1 2 3 4 5 6 7 8 Introduction

More information

PCI Compliance. Top 10 Questions & Answers

PCI Compliance. Top 10 Questions & Answers PCI Compliance Top 10 Questions & Answers 1. What is PCI Compliance and PCI DSS? 2. Who needs to follow the PCI Data Security Standard? 3. What happens if I don t comply? 4. What are the basic requirements

More information

Payment Card Industry (PCI) Data Security Standard

Payment Card Industry (PCI) Data Security Standard Payment Card Industry (PCI) Data Security Standard Attestation of Compliance for Onsite Assessments Service Providers Version 3.1 April 2015 Section 1: Assessment Information Instructions for Submission

More information

COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6

COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6 1. Procedure Title: PCI Compliance Program COLORADO STATE UNIVERSITY Financial Procedure Statements FPI 6-6 2. Procedure Purpose and Effect: All Colorado State University departments that accept credit/debit

More information

Understanding PCI Compliance

Understanding PCI Compliance Understanding PCI Compliance www.cognoscape.com Understanding PCI Compliance What is PCI Compliance? What exactly is PCI compliance? PCI stands for Payment Card Industry, and the compliance component ensures

More information

Net Report s PCI DSS Version 1.1 Compliance Suite

Net Report s PCI DSS Version 1.1 Compliance Suite Net Report s PCI DSS Version 1.1 Compliance Suite Real Security Log Management! July 2007 1 Executive Summary The strict requirements of the Payment Card Industry (PCI) Data Security Standard (DSS) are

More information

Information for merchants. Program implementation details for merchants. Payment Card Industry Data Security Standard (PCI DSS)

Information for merchants. Program implementation details for merchants. Payment Card Industry Data Security Standard (PCI DSS) Postbank P.O.S. Transact GmbH (now EVO Kartenakzeptanz GmbH) has recently been purchased by EVO Payments International Group Program implementation details for merchants Payment Card Industry Data Security

More information

Securing Your Customer Data Simple Steps, Tips, and Resources

Securing Your Customer Data Simple Steps, Tips, and Resources Securing Your Customer Data This document is intended to provide simple and quick information security steps for small to mid-size merchants that accept credit and/or debit cards as a form of payment for

More information

Breach Findings for Large Merchants. 28 January 2015 Glen Jones Cyber Intelligence and Investigation Lester Chan Payment System Security

Breach Findings for Large Merchants. 28 January 2015 Glen Jones Cyber Intelligence and Investigation Lester Chan Payment System Security Breach Findings for Large Merchants 28 January 2015 Glen Jones Cyber Intelligence and Investigation Lester Chan Payment System Security Disclaimer The information or recommendations contained herein are

More information

Transitioning from PCI DSS 2.0 to 3.1

Transitioning from PCI DSS 2.0 to 3.1 Transitioning from PCI DSS 2.0 to 3.1 What You Need to Know April, 2015 Emma Sutcliffe, Director, Data Security Standards About the PCI Council Founded in 2006 - Guiding open standards for payment card

More information

PCI Compliance Are you at Risk? September 17, 2014 Dan Garrett/Matt Fluegge Vantiv

PCI Compliance Are you at Risk? September 17, 2014 Dan Garrett/Matt Fluegge Vantiv PCI Compliance Are you at Risk? September 17, 2014 Dan Garrett/Matt Fluegge Vantiv Security Challenges Desirability of Data 80% of all data breaches is payment card data (Verizon RISK team assessment)

More information

AISA Sydney 15 th April 2009

AISA Sydney 15 th April 2009 AISA Sydney 15 th April 2009 Where PCI stands today: Who needs to do What, by When Presented by: David Light Sense of Security Pty Ltd Agenda Overview of PCI DSS Compliance requirements What & When Risks

More information

PCI Standards: A Banking Perspective

PCI Standards: A Banking Perspective Slide 1 PCI Standards: A Banking Perspective Bob Brown, CISSP Wachovia Corporate Information Security Slide 2 Agenda 1. Payment Card Initiative History 2. Description of the Industry 3. PCI-DSS Control

More information

Thoughts on PCI DSS 3.0. D. Timothy Hartzell CISSP, CISM, QSA, PA-QSA Associate Director

Thoughts on PCI DSS 3.0. D. Timothy Hartzell CISSP, CISM, QSA, PA-QSA Associate Director Thoughts on PCI DSS 3.0 D. Timothy Hartzell CISSP, CISM, QSA, PA-QSA Associate Director Agenda 1 2 3 Global Payment Card Statistics and Trends PCI DSS Overview PCI DSS Version 3.0: Important Timelines

More information

Payment Card Industry (PCI) Data Security Standard

Payment Card Industry (PCI) Data Security Standard Payment Card Industry (PCI) Data Security Standard Attestation of Compliance for Onsite Assessments Service Providers Version 3.0 February 2014 Section 1: Assessment Information Instructions for Submission

More information

PAYMENT CARD INDUSTRY (PCI) COMPLIANCE HISTORY & OVERVIEW

PAYMENT CARD INDUSTRY (PCI) COMPLIANCE HISTORY & OVERVIEW PAYMENT CARD INDUSTRY (PCI) COMPLIANCE HISTORY & OVERVIEW David Kittle Chief Information Officer Chris Ditmarsch Network & Security Administrator Smoker Friendly International / The Cigarette Store Corp

More information

Attestation of Compliance for Onsite Assessments Service Providers

Attestation of Compliance for Onsite Assessments Service Providers Attestation of Compliance Service Providers Payment Card Industry (PCI) Data Security Standard Attestation of Compliance for Onsite Assessments Service Providers Version 2.0 October 2010 Instructions for

More information

PCI Compliance Top 10 Questions and Answers

PCI Compliance Top 10 Questions and Answers Where every interaction matters. PCI Compliance Top 10 Questions and Answers White Paper October 2013 By: Peer 1 Hosting Product Team www.peer1.com Contents What is PCI Compliance and PCI DSS? 3 Who needs

More information

PCI COMPLIANCE AND WHAT IT MEANS TO YOU IN ENGLISH

PCI COMPLIANCE AND WHAT IT MEANS TO YOU IN ENGLISH PCI COMPLIANCE AND WHAT IT MEANS TO YOU IN ENGLISH PCI COMPLIANCE AND WHAT IT MEANS TO YOU IN ENGLISH How do I -know if I m compliant? -what do I do to become compliant? -how do I know if the fee(s) I

More information

SecurityMetrics Introduction to PCI Compliance

SecurityMetrics Introduction to PCI Compliance SecurityMetrics Introduction to PCI Compliance Card Data Compromise What is a card data compromise? A card data compromise occurs when payment card information is stolen from a merchant. Some examples

More information